One must first report the accident to the insurance agent or insurer. The insurer or agent will want to know the driver of the car at the time of the accident, time that the accident took place, the location of the accident, the extent of the damage, some information about how the accident happened, the name of the other driver involved in the accident, insurance information of the other driver, and other people who are involved in the accident.
Photos taken at the accident scene can help the insurance adjuster to determine the extent of the damage.
The insurer will then give a person a claim number which they must remember. At the scene of the accident, one should file a police report. It is still possible to file a police report later on if one was unable to file the report at the scene of the accident.
To get more information about the accident, an insurance adjuster will reach you about your case. The insurance adjuster may ask for information about witnesses to an accident so that they can investigate the case.
The extent of damage to a car will be determined by the insurance adjuster when they carry out an inspection of the car or they may send someone to a repair shop for inspection. An insurance adjuster must determine fault in a claims case. Sometimes both parties can be found at fault in a case.
Sometimes insurance companies come together to get a settlement especially when they can’t agree who is at fault. Insurance companies can represent their clients in court when they are at fault. If a person is injured during an accident and the negligent party refuses to pay compensation, one may need to hire a lawyer to represent them in court to seek compensation.
The party at fault may delay compensation and an injured party may have medical bills to pay so they may need to hire a lawyer in order to get this compensation that they deserve quickly. A damaged car can be fixed in the repair shop of one’s choosing.
One can also use the suggested repair shops that an insurance company recommends. The approval of additional repairs is fast when using a suggested repair shop by the insurance company.
When evaluation of a policy is carried out and the policy is checked, one may get a partial payment for their claim. A release shows that a person has accepted final payment.